Historically better returns


Passive investing pays off

Clover's portfolios are built on a foundation of evidence-based passive investing. That means we don't attempt to pick hot stocks or try to time the market. Instead, we use low-fee ETFs to build a diversified portfolio that takes into account your goals and risk profile. Evidence overwhelmingly shows that passive investing results in better outcomes.
We've designed our portfolios to keep costs, fees and tax impacts low so our investors end up better off overall. See for yourself below.

The graph above and the table below show how $50,000 invested 15 years ago would have performed for the 15 year period to 31 Dec 2016. This data reflects our best estimate of the historical performance of Clover's representative portfolios and is for illustrative purposes only.

Annualised return to Dec. 31 2016 20% Shares
40% Shares
60% Shares
75% Shares
90% Shares
1 year 4.3% 5.5% 7.3% 8.6% 10.1%
3 years 4.8% 6.7% 8.2% 8.9% 9.4%
5 years 6.1% 9.4% 11.9% 13.3% 14.3%
10 years 5.8% 6.0% 5.9% 5.6% 5.1%
15 years 6.3% 6.1% 6.4% 6.6% 6.8%


Even though Clover was established in November 2014, the ETFs and the underlying assets in which we invest have been around for longer.

Because of this, it's possible to simulate the historical performance of our portfolios, however, it is important to note that the simulation is based on various assumptions and methodologies and does not guarantee that the actual historical performance would have been exactly the same as shown above.

Our assumptions

  • Past performance is not a reliable indicator of future performance
  • The performance figures are pre-tax estimated returns and include an allowance for ETF fees & Clover fees (assuming an average $50,000 account balance)
  • All portfolio returns are based on the target allocation for Clover portfolios and assume annual rebalancing
  • Portfolio performance does not assume any ongoing contributions
  • Portfolio returns have been calculated using historical ETF returns and assume reinvestment of distributions. For periods prior to the inception of the selected ETFs, we have used index returns which best represent the ETF in our view, with adjustment for ETF fees

The above performance is general in nature and does not take into account any personal circumstances. Please carefully consider the comments above and all our disclosure documents before deciding to invest with Clover.

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